The Research On The Clientand Payment Platform Security Of Mobile Payment System

With the rapid development and popularization of the mobile Internet and themobile intelligent terminal equipment, the mobile payment gradually becomes thepreferred method of payment. Mobile payments is recognised as the main means ofthe next generation of payments. Compared with the traditional method of payment,it possesses a flexible method of payment which is not restricted to the sites ofpayments. This characteristic will save amounts of time when the users handle thebusiness as well as other unnecessary troubles. However, the mobile payment systemis easy to be attacked by some unsafe factors from various aspects, on the contrary,security problems of mobile payment seriously limits its popularization. In order toensure the mobile payment security, this paper firstly, adopting the plan of theremote payment technology which is based on terminal peripherals-audio cardreader, designs a set of safe and reliable remote mobile payment system basing onaudio communication technology, which is on the basis of making further study onthe concept of mobile payment, payment technology scheme and security technology.According to the mobile payment system designed in this paper, the author usesmainstream security mechanism to design and implement the security of the paymentsystem from the payment system of terminal peripherals-audio card reader, the IOSterminals and mobile payment platform, respectively, and proposes the risk controlscheme aiming at the transaction records to further ensure the security of the mobilepayment. In this paper, the research work as follows:1. Research on the remote payment technology solutions of terminal peripheralsin the mobile payment, design the payment scheme based on the audio card-reader,which can be used to analyze its structure, credit card process and safety.2. The paper analyzes the safety technology of mobile payment systems, studiesits overall structure, designs remote mobile payment system based on the audiocard-reader. The remote mobile payment system in this paper can be divided into fiveparts, including IOS terminal, terminal peripheral-audio card-reader, paymentplatform, business platform and CUPS. The paper mainly focuses on analyzing thedata communication mode, protocol, the transmission format and safety of the fiveparts. 3. On the basis of research on the technology platform of X-Code and thesecurity mechanism of IOS terminal, the paper designs the system structure and thedata communication mode for the ISO client, realizing its safety.4.Based on the usage of the present mainstream security technology, this papercomes to design and implement the data safety and the identity authenticationmechanism of mobile payment platform. At last, the paper puts forward risk-controlscheme that fits the mobile-payment systems, designs its database and interface, thusrealizing the risk control in the process of mobile payment.